HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH

2015-08-27

Fithian, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

OH

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. I 'm retired on a fixed income. Thanks good bye
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-26

Skokie, IL

Can't stop charges to bank account

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Rochester, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Columbus, OH

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Brooklyn Heights, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-14

Norfolk, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Arcadia, OH

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-06

Euclid, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX I transferred {$1200.00} from my First Merit savings account to my First Merit checking account to cover a purchase I would make later that day. I made the transfer at a First Merit ATM during regular business hours. The purchase was made and approved less than XXXX minutes later ( the bank is a block from the retailer ). On XXXX XXXX my online statement reflected these transactions but with the statement incorrectly reflecting that the purchase had occurred prior to the transfer of funds necessary to cover the purchase. Although my online balance reflected a negative balance associated with the purchase, no overdraft charge was reflected, my overall balance was in the black, and the actual transfer was additionally reflected in a separate statement section marked " pending '' ... '' Hold ''. On XXXX XXXX my online balance reflected XXXX separate {$35.00} overdraft charges ( {$170.00} ) as a direct result of the bank 's failure to recognize that the transfer of funds preceded the purchase that, according to my statement, caused the overdraft. Per bank policy, I was required to personally visit my home branch to seek management correction of the bank 's error. I did just that on XXXX XXXX. There I was informed that, despite the fact that my records reflect that at no time was my checking account lacking sufficient funds to cover the purchase, by transacting my money transfer at the bank 's ATM ( as opposed to in-person or online ), I had inadvertently - based upon their policy and practice - in fact made the transfer ( for their accounting purposes ) on XXXX XXXX ... not XXXX XXXX as their time-stamped receipt reflects. I was further informed that, despite the transfer occurring during normal business hours, they had already " balanced out '' that particular ATM for the XXXX XXXX business day. In fact, my time-stamped XXXX XXXX XXXX receipt of the transfer does ( further down ) identify the business day as XXXX XXXX ( a fiction both in reality and practice as the bank 's branch hours on XXXX XXXX continued until XXXX ). Finally I was informed by the branch manager that a call would be made on my behalf seeking a resolution. An hour later, the branch manager left me a voicemail cheerfully informing me that the bank had decided to " waive '' XXXX of the XXXX overdraft charges levied against my checking account. I attempt to return the call but was only able to leave a message stating that their " resolution '' offer of ONLY stealing {$70.00} from me instead of {$170.00} was unacceptable. The bank has, in their XXXX XXXX online statement, reflected the refund of {$100.00}. Other than taking the necessary steps to find and establish another banking institution for my banking needs, I am requesting that the CFPB investigate First Merit 's unethical and arbitrary abuse of depositors ' funds specifically regarding the transfer and/or " business day '' posting of funds between one FM account to another FM account. In my particular case, I am requesting that First Merit be required to refund all XXXX overdraft charges ( not just XXXX ) levied on my checking account. More importantly, I am hopeful that First Merit be required to 'cease and desist ' from continuing their apparent practice of 'posting ' credits and deposits/transfers in such a manner as to artificially create non-existent overdrafts.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Rochester, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Cleveland, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Akron, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-19

Akron, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Avon, IN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Harsens Is, MI

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Columbus, OH

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

OH

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: I have a loan through First Merit Bank. It is a 15 year loan and I am currently XXXX years ahead of schedule as far as paying this loan off. I made double paymentsfor about the first XXXX years of the loan. Well I ran into some financial issues as wellas some health issues and to say the least money has been tight. Well I made fewpayments late and First Merit Bank reported me to the Credit Bureau, which I know, all banks do this, but I believe this is wrong on so many levels. First off, I am wayahead of schedule, so I do n't know how you can say it is late? Has First merit notused my money that I have already paid back on other investments to further theirbusiness interests? Had I not paid ahead, they would n't have nearly half the moneyfrom me that they do now, but somehow, they are warning other creditors that Imay be a credit risk? This should be against the rules period. I am tired of watchingBanks make money at every turn, and then in return, take advantage of the verypeople who pay them for their services. This is wrong and I really feel liketheir should be rules against reporting people who are truthfully way ahead onloans. I have discussed this with First Merit and the only answer they will give me isthat 's just how it works, sorry. So this is what happened, I hope someone can helpme or at least point me in the right direction.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Akron, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Elyria, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Mercer, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Superior Township, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-10

Cuyahoga Falls, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

Flint, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Bay City, MI

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response